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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Home Equity Line of Credit

Borrow what you need, whenever you need to. The equity in your home can be a smart source of cash.

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This loan is for people who want to use the equity in their home to fund large purchases, make home improvements or consolidate debt.
  • Secure line of credit using your home as collateral
  • Flexible repayment options
  • Personalized home equity checks provided
  • Interest may be deductible (consult your tax advisor)
  • Loan value of 80 percent or less
  • Minimum line of credit is $10,000
  • Monthly interest-only payments available*

*Making only minimum payments will result in a balloon payment due at maturity on any remaining unpaid principal.

All loans subject to credit approval. Insurance may be required.

  • Annual fee is $50
  • All loans subject to credit approval. Insurance may be required.



To request the unique federal identification number assigned to any of our Mortgage Loan Originators, please ask the particular Loan Officer; ask any Customer Service Representative; call the FCNB Service Center at 1-800-321-3176; or submit your request in writing to the following:


FCNB Human Resources Department
P.O. Box 370
Dyersburg, TN 38025-0370

Email: info@firstcnb.com

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer